Insurers base auto insurance rates on a wide range of factors, including the safety rating of the vehicle you drive. While every carmaker has introduced high-tech features designed to help you avoid accidents, these are generally too new and untested to have a major impact on your premiums. However, focusing on the time-tested safety features below may help reduce your auto insurance costs.

3 Safety Features That May Lower Your Insurance Premiums

1. Anti-Lock Brakes

Quickly engaging the brakes on older vehicles would often cause the wheel to lock up, making your vehicle harder to control and crashes more difficult to avoid. The introduction of anti-lock brakes solved this problem by applying the brake in extremely rapid pulses, which helps you avoid skidding out in an emergency. If you’re looking for a safer vehicle and auto insurance discounts, shop for a car with an anti-lock brake system.

2. Airbags

Since 1987, the NHTSA estimates that airbags have saved over 50,000 lives and prevented countless other serious injuries. Since 1998, the government has required all new vehicles to come with dual front airbags as standard equipment. For lower auto insurance rates, consider buying a car that provides curtain airbags and protection for passengers in the backseat.

3. Electronic Stability Control

Electronic stability control is an innovative system that monitors your steering and the direction of the vehicle. If you start skidding out or the vehicle is at risk of turning over, the system will automatically make adjustments to prevent an accident, often without the driver ever knowing.

The road can be a dangerous place, which is why St. Peters, MO, drivers trust Shelter Insurance® agent Michael Flynn to provide reliable, affordable protection from the unexpected. He prides himself on helping each of his clients get every discount available, lowering rates without sacrificing vital coverage. Get more tips and advice on Facebook and call (636) 441-8177 or visit his website to request your free auto insurance quote today.